Coverage triggers when wind speeds or hail size exceed a defined threshold, for example, sustained winds above 74 mph (Category 1 hurricane strength) or hail larger than one inch in diameter at or near your insured location. These events often occur during hurricanes and tropical storms, bringing destructive winds, flying debris, and intense hail that can damage structures, landscaping, and outdoor assets.
Hurricane seasons have become longer and more active in recent years. NOAA and regional climate models show a rise in the frequency of severe tropical systems, with warmer ocean temperatures fueling stronger storms. These events cause billions of dollars in wind and hail-related losses every year, from roof and siding damage to extensive outdoor property impacts across coastal and inland areas.
When wind speeds or hail intensity surpass the set threshold and the event is verified by trusted weather data, a claim can be submitted immediately. No damage inspection is required; payout is based on verification alone, helping you recover quickly from storm impacts.
